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Culver City Employees

Culver City, CA · Charter 6695

NCUA · 1 branch

Q3 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Culver City Employees

Culver City, CA · Charter 6695

NCUA · 1 branch

Q3 2016

$23.6MAssets
$7.6MLoans
$21.8MShares
$1.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.02%, up 36 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.29% of loans (-104 bps YoY).
  • Capital: net worth / assets of 6.77%, down 35 bps from a year ago.
  • Funding: loans stand at 34.91% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.02%+36 bps YoY

Net Interest Margin (YTD, annualized)

2.60%+8 bps YoY

Efficiency Ratio (YTD, annualized)

84.31%-726 bps YoY

Net Worth / Assets

6.77%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-0.34%-0.27%0.20%0.21%0.02%+36 bps
Return on Equity-4.78%-3.96%2.92%3.04%0.32%+510 bps
Net Interest Margin2.52%2.48%2.68%2.60%2.60%+8 bps
Efficiency Ratio91.56%87.73%84.82%83.64%84.31%-726 bps
Growth
Asset Growth (YoY)-5.21%-0.03%-0.24%2.00%5.05%+1,026 bps
Loan Growth (YoY)-13.10%-15.90%-14.01%-8.65%-5.90%+719 bps
Share Growth (YoY)-5.18%4.34%-0.38%1.54%4.98%+1,016 bps
Asset Quality
Delinquent Loans / Loans1.33%2.42%1.33%0.20%0.29%-104 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.91%1.91%2.14%1.96%1.87%-3 bps
Capital
Risk-Based Capital7.12%6.81%6.81%6.78%6.77%-35 bps
Net Worth / Assets7.12%6.81%6.81%6.78%6.77%-35 bps
Liquidity & Funding
Loans / Shares38.94%35.88%34.83%35.19%34.91%-404 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps